Terms & Conditions

Acceptance of these terms

By accessing or using this website, you agree to these Terms & Conditions. If you do not agree, do not use the site.

You also agree to our Privacy Policy, which is incorporated into these terms.

What this site is

This website is an informational and request-routing service for consumer financing related to veterinary care. We present plan context, ranges and representative rate information, and we forward the requests you choose to submit.

We are not a lender, a broker of record, an underwriter or a credit decision-maker. We do not make credit decisions, do not issue credit, and do not guarantee that any provider will approve your request or offer any particular rate, term or amount.

Eligibility to use the site

• You are at least 18 years old.
• You can form a binding contract under the law that applies to you.
• You are located in a jurisdiction where this site and the products it presents may lawfully be offered.
• You will use the site only for lawful, personal, non-commercial purposes.

Your submissions

You are responsible for the accuracy of the information you submit. You agree not to submit information that is false, misleading, someone else's, or that you have no right to provide.

You consent to the transmission of your submission to participating providers and platforms so it can be answered. Providers may contact you using the details you supply, subject to their own policies and applicable law.

No offer, no advice

Nothing on this site is an offer of credit, a commitment to lend, a pre-approval, or a quote that binds any provider. Ranges, representative figures and examples are illustrative and depend on factors a provider evaluates, including credit profile, income, request size and term.

Content on this site is general information. It is not legal, tax, accounting, investment or credit-repair advice, and it is not a substitute for advice from a qualified professional who knows your circumstances.

Acceptable use

• Do not probe, scan or examine the vulnerability of the site, or breach its security or authentication measures.
• Do not use automated means to access the site in a way that imposes an unreasonable load, or to submit requests that are not genuine.
• Do not scrape, harvest, republish or resell site content or any data obtained from it.
• Do not impersonate any person, misrepresent your affiliation, or hide the origin of a submission.
• Do not use the site to violate any law, or to infringe the rights of any person.

Intellectual property

The site, including its text, layout, design, graphics, logos and code, is owned by PetCareFunding or its licensors and is protected by intellectual property laws. You receive a limited, revocable, non-exclusive, non-transferable licence to view the site for your own personal use.

Trademarks, service marks and brand names on the site belong to their respective owners. No licence to use them is granted by these terms.

Third-party services and links

The site may link to or rely on services operated by others. We do not control those services and are not responsible for their content, availability, security or practices. Your use of a third-party service is governed by that party's terms and policies.

Disclaimer of warranties

The site is provided "as is" and "as available", without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement.

We do not warrant that the site will be uninterrupted, timely, error-free or free of harmful components, or that the information on it is complete, current or accurate.

Limitation of liability

To the fullest extent permitted by law, PetCareFunding and its officers, employees, agents, suppliers and partners will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data or business interruption, arising out of or relating to your use of the site.

Where liability cannot be excluded, our total aggregate liability is limited to the greater of the amount you paid us to use the site or one hundred US dollars.

Some jurisdictions do not allow certain exclusions or limitations, so parts of this section may not apply to you.

Indemnity

You agree to indemnify and hold harmless PetCareFunding and its officers, employees and agents from any claim, loss, liability and expense, including reasonable legal fees, arising from your use of the site, your submissions, or your breach of these terms.

Governing law and disputes

These terms are governed by the laws of the jurisdiction in which the operating entity is established, without regard to conflict-of-law rules.

Before starting formal proceedings, you agree to give us a reasonable opportunity to resolve the issue informally.

Changes and severability

We may revise these terms at any time. The version published on this website is the operative one. If a provision is found unenforceable, the remaining provisions stay in effect.